![Blog_1200x630_3ThingsThatImpactYourCreditScore](https://beanstox.com/wp-content/uploads/2022/03/Blog_1200x630_3ThingsThatImpactYourCreditScore-420x280.png)
3 Things that Impact Your Credit Score and How to Avoid Bad Credit
Let’s look at the three most important things impacting your credit score and what you can do to improve it.
![Blog_1200x630_3TypesofSavingsAccounts_FeaturedImage](https://beanstox.com/wp-content/uploads/2022/02/Blog_1200x630_3TypesofSavingsAccounts_FeaturedImage-420x280.png)
The 3 Types of Savings Accounts and How They Work
If you’re working on your finances, saving money is an important first step. Choosing the right account for your situation can make the process easier.
Get More from Beanstox
Receive investing tips, insights, and personal finance information directly in your email inbox or through the Beanstox App. Learn how we can help you automate your wealth building.
![](https://beanstox.com/wp-content/uploads/2022/08/Blog_1200x630_WhentoUseCreditvsDebit_FeaturedImage-420x280.png)
When to Use Credit vs. Debit
When used to your advantage, these are powerful financial tools that allow you to better manage your money and make the most of rewards and other benefits.
![](https://beanstox.com/wp-content/uploads/2022/08/Blog_1200x630_4WaystoCreateBetterFinancialHabits_FeaturedImage-420x280.png)
4 Ways to Create Better Financial Habits
You may not be able to change how much you make at your day job or how much your basic expenses cost, at least not in the short term. However, there are plenty of small ways you can…
![Blog_1200x630_TheGreatResignationandInvesting_FeaturedImage](https://beanstox.com/wp-content/uploads/2022/03/Blog_1200x630_TheGreatResignationandInvesting_FeaturedImage-420x280.png)
How The Great Resignation Could Impact Your Investments
During the first few months of the COVID-19 pandemic, American workers were seemingly thrust into an entirely new way of life. Millions of people were laid off or furloughed, while others were told to work from home, drastically changing their daily lives. Months later, as the economy began to…
![Blog_1200x630_DifferenceBetweenSpeculatingandInvesting_FeaturedImage](https://beanstox.com/wp-content/uploads/2022/02/Blog_1200x630_DifferenceBetweenSpeculatingandInvesting_FeaturedImage-420x280.png)
The Difference Between Speculating and Investing
The balance between risk and reward in your investment portfolio comes down to understanding the differences between speculating and investing, and the relationship between the two strategies.
![Blog_1200x630_3InvestmentGoalstoHelpYouGetStarted_FeaturedImage](https://beanstox.com/wp-content/uploads/2022/02/Blog_1200x630_3InvestmentGoalstoHelpYouGetStarted_FeaturedImage-420x280.png)
3 Investment Goals to Help You Get Started
Saving and investing requires discipline, and as with most goals worth achieving, setting a few specific milestones will help you get started and stay committed.
![Blog_1200x630_4InvestingLessons_FeaturedImage](https://beanstox.com/wp-content/uploads/2022/03/Blog_1200x630_4InvestingLessons_FeaturedImage-420x280.png)
A New Era: 4 Investing Lessons We’ve Learned From the Pandemic
The pandemic has taught us a lot about ourselves, and some of those truths are tough to swallow. It’s also given us opportunities to plan for the future.
![Blog_1200x630_InvestingHowtoStopPlanningandStartDoing_FeaturedImage](https://beanstox.com/wp-content/uploads/2022/02/Blog_1200x630_InvestingHowtoStopPlanningandStartDoing_FeaturedImage-420x280.png)
Investing – How to Stop Planning and Start Doing
Committing to a new financial strategy that postpones reward until later is challenging, but with the right tips and direction, you can transform those plans into a strategy you practice like a pro.
![Blog_1200x630_IsDebtConsolidationRightForYou_FeaturedImage](https://beanstox.com/wp-content/uploads/2022/02/Blog_1200x630_IsDebtConsolidationRightForYou_FeaturedImage-420x280.png)
Is Debt Consolidation Right for You?
Debt consolidation is the process of combining multiple debts into a single payment under one lender. Instead of making multiple payments to several different lenders, a new lender pays off all your debts and then issues you a single loan to cover those costs.
![Blog_1200x630_StopBuyingStuffYouDontNeed_FeaturedImage](https://beanstox.com/wp-content/uploads/2022/02/Blog_1200x630_StopBuyingStuffYouDontNeed_FeaturedImage-420x280.png)
Mr. Wonderful Says “Stop Buying Stuff You Don’t Need and Invest Instead”
When you spend money on things you don’t need, you’re creating what businessman and Beanstox Chairman and Co-owner Kevin O’Leary calls “ghost money.” Typically, these expenses are tied to impulse buys, memberships you don’t use, and other unnecessary things that might seem small, but add up over time.